Zviziviso
Mutsara wakakosha wechikwereti uri kupihwa neCaixa Econômica Federal kune Vemabhizimusi Vanhu uye Vemabhizimusi Vadiki Vanozvishandira (MEIs). Mari iri kupihwa kuburikidza neCrédito Caixa, inowanikwa paapp yeCaixa Tem, nechinangwa chekutanga kana kuvandudza mabhizimusi evemabhizimusi ava. Kubudirira kwehupfumi hwemunharaunda uye kukura kwemabhizimusi ndizvo zviri kuvavarirwa nechirongwa ichi.
NeCrédito Caixa, rusununguko rwekushandisa mari yechikwereti rwunopihwa vemabhizimusi kune zvinangwa zvakasiyana, zvakaita sekudyara muchimiro chebhizimusi, kubhadhara vatengesi, mihoro yevashandi uye mari dzinokosha dzakaita semvura, magetsi nerendi. Pamusoro pezvo, zvinokwanisika kutenga zvinhu zvekutengesa kuti zvizadzise mabhizimusi. Rusununguko urwu runoita kuti mari ishandiswe zvinoenderana nezvinodiwa chaizvo nemabhizimusi.
Kuwanikwa nyore ndeimwe yemabhenefiti makuru eChikwereti cheCaixa. Maitiro ekukumbira ari nyore uye anogona kuitwa nekukurumidza uye zvakachengeteka kuburikidza neapp yeCaixa Tem, inowanikwa mahara kumafoni akangwara. Kuenzanisa chikwereti, kusarudza mari inodiwa uye kuongorora mitemo yekubhadhara zvinogona kuitwa nevemabhizimusi, vasingatarisani nemaitiro akaomarara zvakanyanya.
Mitero yemubereko inokwikwidza uye nguva dzekubhadhara dzinoenderana nezvinodiwa nevemabhizimusi zvinopihwa neChikwereti cheCaixa. Izvi zvinoita kuti mabhizimusi akwanise kutarisira mari zvine pundutso uye nenzira inoenderera mberi. Kuzvipira kweCaixa kutsigira nekukurudzira boka revemabhizimusi, ichiziva kukosha kwaro mukugadzira mabasa nekusimbisa hupfumi hweBrazil, kunoratidzwa nechirongwa ichi.
Saka, mukana wakakosha unopihwa neCaixa Credit kuburikidza neCaixa Tem app kune Vemabhizimusi Vanhu Pachavo nemaMEI kuti vasimudzire mabhizimusi avo. Kuwanikwa kuri nyore, kushanduka pakushandisa mari uye mamiriro emari akanaka ndizvo zvinoratidza chikamu ichi chechikwereti chinotsvaga kubatsira vemabhizimusi kuti vabudirire mumabasa avo ekutengeserana.
Mamiriro eMuzvinabhizimusi Munhu Pachake
Mari inosvika R$ 1 zviuru inopihwa neCaixa Tem kune vemabhizimusi Vanhu Pachavo. Nguva yekubhadhara i18 kusvika ku24 mwedzi, nemubereko we3,99% pamwedzi.
Panyaya yevemabhizimusi Vanhu Pachavo, chikwereti chinogona kuwanikwa kuburikidza neCaixa Tem app. Matanho anotevera anofanira kuteverwa:
- Danho 1: Shanduro yazvino yeCaixa Tem app inofanira kudhawunirodhwa.
- Danho 2: App inofanira kuvhurwa uye kunyoresa kunofanirwa kuvandudzwa.
- Danho 3: Ruzivo rwemunhu, senge kero, mari yaunowana, basa uye pfuma, runofanira kuzadzwa (magwaro ekusimbisa haadiwi).
- Danho 4: Mufananidzo wegwaro rekuzivikanwa (RG kana CNH) unofanira kutorwa.
- Danho 5: Selfie inofanira kutorwa.
Mushure mekuvandudzwa, Poupança Social Digital ichashandurwa kuita Poupança Caixa Tem. Nekuchinja kweakaundi, kuongororwa kwechikwereti kunogona kuitwa, kuchitevedzwa maitiro anotevera:
- Danho 1: Kuongororwa kwechikwereti kunofanira kuitwa mukati memazuva gumi mushure mekuvandudzwa kweruzivo rwekunyoresa.
- Danho 2: Kana chikwereti chabvumidzwa, chikwereti chinogona kukumbirwa pachisarudzo chinoti “Empréstimo – Crédito CAIXA Tem”.
- Danho 3: Mushure mekutora chikwereti, mari yacho ichaiswa zvakananga muPoupança Caixa Tem.
Nenzira iyi, vanamabhizinesi vanowana mukana wekuwana mari yekusimudzira mabhizinesi avo nenzira iri nyore uye inosvikika, sezvo vachizoiona kuburikidza neCaixa Tem app.
Mamiriro eMicroempreendedor Individual (MEI)
Mamiriro evatengesi vadiki vanozvishandira (MEIs) akafanana. Vanofarira vanogona kutora zvikwereti zvinosvika kuR$ 3 zviuru, nenguva yekubhadhara yemwedzi 18 kusvika ku24 mushure mekutora chikwereti. Mari yemubereko i3,60% pamwedzi, uye chikwereti chinogona kutorwa chete kuburikidza nemapazi eCaixa Econômica Federal. Kuti ukumbire rudzi urwu rwechikwereti, tevera matanho ari pasi apa:
Danho 1: Bata Caixa kuburikidza neWhatsApp CAIXA 0800 104 0 104, uchitumira hashtag #microcreditoPJ kuti utange kubatsirwa, kana kushanyira bazi rako.
Danho 2: Gadziridza ruzivo rwako uchipa magwaro anotevera:
- CCMEI (Chitupa cheMamiriro eMutengesi Mudiki Anozvishandira);
- DASN SIMEI (Chiziviso chegore negore cheSimples Nacional cheMutengesi Mudiki Anozvishandira) chegore rezvemari rapfuura rakapera, pamwe neRisiti Yekutumira;
- Magwaro emunhu (RG, CPF uye humbowo hwekugara).
Danho 3: Mushure mekubvumidzwa kwechikwereti, unogona kutora chikwereti pabazi rako.
Danho 4: Kana chikwereti chatorwa, mari inozoiswa zvakananga muAkaunti yako yeMunhu Wemutemo.
Nhanho 5: Kubhadharwa kwezvikamu kuchabviswa muAkaunti yenyu yeBhizinesi.
Nenzira iyi, vatengesi vadiki vari vega vane mukana wekuwana chikwereti chemari chekudyara nekusimbisa mabhizinesi avo. Nekutevera maitiro aya, muchakwanisa kugamuchira mari yamakumbira muAkaunti yenyu yeBhizinesi, sezvo muchabhadhara zvikamu nenzira iri nyore.
Sei chikwereti cheCaixa Tem chiri sarudzo yakanaka kuvanhu nemavatengesi vadiki vari vega?
Kukumbira chikwereti kwakarerutswa uye kunogona kuitwa kuburikidza neapp yeCaixa Tem kana muri munhu, kana kumapazi eCaixa kana muri mutengesi mudiki ari ega.
Chikwereti cheCaixa Tem chinopa mibairo inokwezva, zvinoreva kuti chikwereti chinodiwa chinogona kuwanikwa nemitengo yemari yakaderera. Mibairo iyi inotarwa nenzira inoita kuti chikwereti chiwanike uye chibatsire vanokwereta.
Mari yechikwereti inogona kushandiswa pazvinangwa zvakasiyana-siyana, kubva pakudyara mubhizinesi kusvika pakubhadhara mari yezvaunoda iwe pachako. Kuchinjika uku kunokubvumira kushandisa mari yacho zvinoenderana nezvaunoda chaizvo, kungave kusimudzira bhizinesi rako kana kugadzirisa matambudziko emari asingatarisirwi.
Nguva yekubhadhara chikwereti inotarwa nenzira inoita kuti kutarisira mari kuve nyore. Nenguva dzinotangira pamwedzi 18 kusvika ku24, uchava nenguva yakakwana yekubhadhara zvinoenderana nekukwanisa kwako mune zvemari, uchidzivirira kuremerwa uye kufambisa kuronga mari yako.
Chikwereti ichi chakagadzirirwa vanhuwo zvavo pamwe nevamabhizinesi madiki, izvo zvinoratidza kuzvipira kweCaixa kutsigira uzhizha hwebhizinesi nekuvandudzwa kwemabhizinesi. Rudzi urwu rwechikwereti rwakanangana nekupa mari kuitira kuti ukwanise kutanga kana kuvandudza bhizinesi rako, zvichibatsira mukukura nekusimbisa basa rako rekutengeserana.
Naizvozvo, tinogona kugumisa kuti chikwereti cheCaixa Tem isarudzo yakanaka kune vanhu nemabhizimusi madiki nekuda kwekuwanika kwacho kuri nyore, mitengo yemubereko inokwikwidza, kushanduka-shanduka kwekushandiswa kwemari, nguva dzakakodzera uye rutsigiro rwekusimudzira mabhizimusi.
Ongorora zvaunoda uye kugona kwako mune zvemari usati watora chikwereti, sezvo zvichidikanwa kuve nechokwadi chekuti isarudzo yakakodzera uye inobatsira pamamiriro ako chaiwo.
